Yiren Digital (YRD) Return on Assets (2016 - 2025)

Yiren Digital (YRD) reported Return on Assets of 0.25% for Q4 2025, down 7.0% on a YoY basis from 0.27% in Q4 2024, and up 2.61% quarter-over-quarter from 0.24% in Q3 2025.

Yiren Digital (YRD) Return on Assets (2016 - 2025) Analysis & Trends

Yiren Digital has reported Return on Assets for 10 years, with the latest figure at 0.25% in Q4 2025.

  • For the quarter ending Q4 2025, Return on Assets fell 7.0% year-over-year to 0.25%; the trailing twelve-month figure through Dec 2025 stood at 0.25% (down 7.0% YoY), and the FY2025 full-year result was 0.0%, changed 0.0% from the prior year.
  • Return on Assets for Q4 2025 stood at 0.25%, up from 0.24% in the prior quarter.
  • The five-year high for Return on Assets was 1.73% in Q3 2023, with the low at 0.9% in Q3 2024.
  • Historically, Return on Assets has averaged 0.33% across 5 years, with a median of 0.26% in 2025.
  • Annual changes were most pronounced in 2024 — Return on Assets slumped 262 bps — and 2025, when it soared 114 bps.
  • Yiren Digital's Return on Assets stood at 0.43% in 2021, then surged by 220 bps to 1.39% in 2022, then sank by 130 bps to 0.42% in 2023, then surged by 175 bps to 0.32% in 2024, then dropped by 22 bps to 0.25% in 2025.
  • The last three Return on Assets figures came in at 0.25% (Q4 2025), 0.24% (Q3 2025), and 0.26% (Q2 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) ROA (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 0.00%
2 Mastercard 437.55 Bn 427.34 Bn - 0.00%
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 0.00%
4 Capital One Financial 112.47 Bn 35.97 Bn - 0.00%
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 0.00%
6 Synchrony Financial 24.26 Bn 3.70 Bn - 0.00%
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 0.00%
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn 0.00%
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 0.00%
10 Yiren Digital 29.86 Mn -515.90 Mn 105.97 Mn 0.25%

Historic Data

Download Data
DateValue
Dec 31, 2025 0.25%
Sep 30, 2025 0.24%
Jun 30, 2025 0.26%
Mar 31, 2025 0.31%
Dec 31, 2024 0.32%
Sep 30, 2024 -0.90%
Jun 30, 2024 -0.48%
Mar 31, 2024 -0.39%
Dec 31, 2023 -0.42%
Sep 30, 2023 1.73%
Jun 30, 2023 1.46%
Mar 31, 2023 0.90%
Dec 31, 2022 1.39%
Sep 30, 2022 0.79%
Jun 30, 2022 0.43%
Dec 31, 2021 0.43%
Sep 30, 2021 0.00%
Jun 30, 2021 0.00%
Mar 31, 2021 0.00%
Dec 31, 2020 0.00%